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Amica Insurance Review

Amica Insurance Customer Comments

These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments.

"we had Amica for our Auto and home for 15-16 years. It was the company the previous owners had and our first home. Knowing nothing about insurance, we decided to stay with their company. After a straight wind storm with hail came through and damaged our roof. Our neighbors, 2 on one side and 3 on the other side, all had their damaged roofs replaced. The Amica adjuster came out and confirmed the hail damage but stated they wouldn't cover it because the shingles had been recalled. Something we knew nothing about and wouldn't have any way to know either. We escalated the claim and another supervisor came out and again said they still wouldn't cover the roof regardless if we had no way to know about the recall. Our neighbor had his roof done at the same time ours was done initially with the same shingles and his insurance co was replacing his roof. When I mentioned this to the adjuster I was told maybe I should have had THEIR insurance company I never filed a claim or had a late payment or anything with Amica until this event. I canceled my insurance with them immediately and would NEVER go back or recommend them to anyone."

Commented on 2017-11-15 05:23:02 EST

"Watch our for bait and switch on Homeowner's policy. We had a prior insurance company that used a company named Mueller to asses the cost to rebuild our home. They came back at 443K. Amica used the same company and because they applied a formula to Meuller's estimate they tried to force us to insure the home for 650K. When we complained, a manager took it down to 560K and when we wanted to insure it for 473K well above the Mueller estimate they refused to continue the inflation protection endorsement. They wanted an additional 385 to insure the home at their figures. I've reported them to the NH Department of Insurance - Beware of this company"

Commented on 2017-05-11 12:53:48 EST

"Amica has insured my personal automobiles since 2007, my home since 2012, my three rental properties since 2010, and my personal umbrella since 2011, and will continue to do so. In March 2014, I was involved in an automobile accident and seriously injured. In September 2014, I spoke with the supervising adjuster who was assigned to handle my possible claim for Underinsured Motorist Bodily Injury. In March 2016, I settled my claim for Bodily Injury with AAA for 500,000.00. In June 2016, I spoke with, and wrote, the supervising adjuster, indicating that I was presenting a claim for Underinsured Motorist Bodily Injury, and my belief that the value of my injuries, damages, and losses past, present and future sustained as a direct consequence of the March 2014 accident might exceed the amount of my Underinsured Motorist Bodily Injury coverage. In March 2017, I wrote to the supervising adjuster and demanded to settle my claim for Underinsured Motorist Bodily Injury for the 1,500,000.00 policy limit. In April 2017, the supervising adjuster called to inform me that Amica was able to accept my Underinsured Motorist Bodily Injury policy limits demand. I would like to thank Amica for its Mission Statement, always putting me first in this claim, and supervising adjuster for her exceptional customer service and professionalism at all times."

Commented on 2017-04-29 21:20:45 EST

"After a bad experience with a major insurance company that spends huge amounts on TV ads, I got a quote from Amica. I saved on premiums, the policy was 12 months rather than six, and at the end of the policy I get a dividend check since it is a mutual company. A few months after I signed up I collided with a wayward deer. The adjuster came to my work to check the damage and the claims process was complete within a week. I added two teens to my policy - one of whom totaled my car in a no fault accident. Once again, the claim was resolved in a few days Even with the accidents, premiums have gone down annually as the teens became older and stayed accident free. Amica is a great company"

Commented on 2017-03-11 15:22:39 EST

"Been with them 30 years. Only two smaller claims on autos, a hail damage roof replacement on homeowners. In all cases, received prompt, courteous service, they took care of everything, and paid claims in full. One of the claims made against our auto policy was by another driver who was at fault. They straightened him out and made sure his insurance paid us."

Commented on 2017-03-11 14:53:39 EST

"This is a TOP RATE insurance company that always treated me fairly. THE BEST"

Commented on 2017-01-22 17:36:14 EST

"I was called 10 times being chased down because they wanted to talk to me. I wrote back and emailed asking if there was a problem. Then I said more than once please send me a letter. 34No we just want to check in, will have customer service reach out to you again34. Well 2-3 months later- today I answer that call. I had a Minor- fender bender 6 months ago. This person dogged- me to say34You need to watch your points because in the future because Amica won39t insure you.Okay you have to harass good customers Bye."

Commented on 2016-05-16 14:14:33 EST

"Their adjuster had a bathroom vanity torn out and cut through a wall to find a leak which showed up in the floor. Replacing the vanity was a major problem, and had to paint the entire room due to cutting a hole in the wall. They found nothing. I call a leak detector company and the wax ring the toilet sits on split. A $3.00 item. I paid my $1000.00 deductible and they said they paid $1500.00. My premium went up for 5 years. My argument that their adjuster needs to be adjusted got me nowhere. They insisted that because they paid out money, my rates went up. Still hold how I was treated against them, but have stayed with them. Just finished looking through a long list of insurance company ratings and they are the best, with one exception, which I am going to check out."

Commented on 2016-02-05 13:22:57 EST

"This company is in your corner should have any claims with other companies who want to deny, deny, deny. Prompt and courteous service and know their business."

Commented on 2015-03-26 14:58:16 EST

"As a middle aged couple,we have NEVER had an auto nor home insurance claim. No tickets, violations, both retired drive less than 5,000 per year, pay entire premium in advance, etc.>We also own our cars and home, with no loans and mortgages.>Sounds great, huh?>For AMICA to agree to insure us, they insisted on doing an internal inspection of our home, because it was an "old home" 1964 and they had to check how we "kept things.">Obviously, this is not appropriate, not has it ever happened to us, or anyone else we know..even those with AMICA living in homes well over 100 years old>SO outrageous...they just lost GREAT customers Don't make our mistake. "

Commented on 2015-01-21 14:06:32 EST

"After having our home auto and umbrella policies with Amica just over a year the company decided there was "too much activity" on our ranch we have horses. Amica no longer wanted to cover us even though we had paid our policies up ahead of time. So we canceled all policies and went with a company that has been in business working with farm and ranches that have horses for MANY years. Amica sent us a refund check for the amount we paid ahead on our policies. As time went by we found out that we still owed 16.60 to Amica I don't know why they didn't deduct that amount from our refund check but oh well. I sent a check for that amount but they have no record of it. On the same day that we received the bill for 16.60 Amica sent us to collections for that amount. I sent a SECOND check to Amica today this time by certified mail. ALSO when we switched to our new insurance company the agent went over our old policies through Amica and discovered that Amica had not covered everything that was supposed to be covered. If you sign on with Amica be certain to go over everything in your policy with a fine tooth comb In our policy they missed little things such as stating we did not have smoke detectors when in fact we have six and they completely neglected to include our shop a big 70' by 100' steel building. Please be careful if you go through Amica."

Commented on 2014-12-02 12:43:00 EST

"I have had Amica auto insurance for 15 years. Always pay premiums in full up front and have never filed a claim. Several years back I got a speeding ticket. I was speeding to avoid a serious accident because of another driver's actions. I pleaded "guilty with explanation' and the judge gave me a minimum fine. Amica however didn't want to know about my explanation. They merely charged me an additional 160 more than my court fineeach year for three years on my policy. That was the legal limit they could charge or I'm sure it would have been more. My annual policy cost has increased every year since I began with them the last three years more than 15% per annum. I don't trust them in the least but did some exploring for cheaper rates and came to believe that most insurance companies are in cahoots. Is a 15 reduction worth the hassle? The devil you know...."

Commented on 2014-11-01 03:37:18 EST

"Amica uses bait and switch tactics. They quote your policy have you switch to their company then "discover" additional reasons to drastically increase your rate. I had read this from other reviewers and thought they must have had extenuating circumstances. But I went with Amica because the "friendly customer service" and the company did exactly what I feared they would. Another disappointment with Amica is the "friendly customer service". Once you sign with this company you will spend days trying to get someone back on the phone with you. That's a huge indication of how they would handle any claims you would file."

Commented on 2014-09-25 07:10:22 EST

"AMICA has great customer service and they have always been there when I needed them. Their rates are very competitive plus I get a dividend check from my homeowners policy every year. I have recommendeed them to a number of friends."

Commented on 2014-08-14 04:46:00 EST

"We've had Amica for 5 years with auto home RV and an umbrella policy. I've paid them over 13000 to date and I have cost them nothing. No claims so far. Basically they have gotten 16000 from me totally for free. Each year they send us a renewal for home insurance that is considerably higher than the previous year with various numbers adjusted so that the increased premium is not easily compared to the previous year for the same coverage. Our property miraculously increases in value by 20 or 30 percent every year according to their "calculations". They also keep jacking our premium up irrespective of property value. They just quoted me a jacked up premium at 20% higher this year for the same coverage as last year. They get nervous and sound like they have something to hide when I talk to them and they refuse to be reasonable. They apparently don't like repeat business from good customers who never file claims. I am dumping them. "

Commented on 2014-08-08 15:31:56 EST

"Fast courteous service in all respects. "

Commented on 2014-06-30 02:03:30 EST

"The company was great until we filed our second claim due to Hurricane Sandy. The first was Hurricane Irene. My husband and I are going through a divorce and Amica used that ammunition to put us through numerous unnecessary hoops. We had an adjuster an engineer and examinations under oath all with a denial because my husband did not tell the truth as I was getting the house and he didn't want me to enjoy it. I feel they knew this and put us through this stressful situation. They did not pay the second claim even though their engineer said the damage was from the hurricane."

Commented on 2014-02-28 20:51:25 EST

"Horrible service. I waited 5 hours for roadside assistance. There is no excuse for this. I will not recommend or renew with AMICA"

Commented on 2014-02-19 14:02:50 EST

"Never filed a claim that is what would prove how good a company really is. Did not like their huge premium increase in the policy for year 2013. Pay the premiums on timebut how do you know if the company is good. I went by consumers reviews when I bought the policy. "

Commented on 2013-11-08 10:03:16 EST

"Excellent service. Prompt settlement. But getting very pricey."

Commented on 2013-11-07 12:37:45 EST

"Recent hail storm several roof replacements in a large subdivision. Not ours...AMICA adjustor said no recent damage only previous damage. Even though covered with AMICA for 10 years no claim was paid. Same company fought us on an auto claim as well had to hire attorney to fight for fair treatment."

Commented on 2013-08-23 15:53:10 EST

"I was extremely happy with Amica until I got a rate increase based on my credit rating. First of all they draw directly out of my bank account so how does that warrant an increase? We have never missed an installment so why the increase. You would think after 3 years I would be considered a good customer. So keep in mind your credit rating when it comes to rates. We all know after the big downturn in the economy most credit scores decreased substantially."

Commented on 2013-08-04 13:33:53 EST

"Prompt and courteous customer service. Resolved a car liability claim we had very quickly. What I do not like is their opaque pricing strategies it is hard to figure out how much you pay for what parts of your policy and the persistent rate increases on the homeowner's insurance. Turns out that they overvalued the house by about 20% and it kept on going up every year. I had to review the house value over the phone to get the premiums back to a reasonable level. I found that strategy of increasing home value a bit underhanded."

Commented on 2013-06-13 09:22:55 EST

"I have been an Amica customer for 40 years car and auto. It has been a point of pride that I have been with company for so long both my marriages combined are 38 years. So when we had 38" of snow this winter my huband noticed that my garage roof was sagging in the middle. So with the utmost confidence I called Amica. An adjuster was sent out he filed his report. All a sudden Amica is sending an engineer to check the garage. I was happy at first thinking that the engineer would know everything wrong with my garage. My husband's first words were "they are going to screw us". When I questioned the claim handler his exact words were "just because you have been a customer for 40 years and recommended us to other people you think we should just write you a check". I was so upset I started crying. Today the claim handler called and said No we aren't going to pay money on the claim. Why well he said that it was natural settling or wasn't build right wasn't quite sure why it's saggy only that this wasn't covered. Then tells me that the engineer went to the townhall and found a picture of my house from 2001 and after blowing it up really large they can can see a sag in my roof. I had a new roof put on 5 years ago and no one mentioned a sag. You can see that the weight of the snow pushed the wall between the garage doors off the foundation the garage doors can't come all the way down. I can't tell you how upsetting this has been to me. Something's you just depend on and I for 40 years thought that was Amica. Amica is not the same company that I knew. I can't explain how upsetting it is to lose your faith in a company that you have done business with for 40 years."

Commented on 2013-05-01 17:42:50 EST

"Excellent claims service. Paid special attention to my comments and very detail oriented. Very friendly to deal with. I can't understand how some give a bad review. A bit expensive but well worth it. The BEST of the BEST"

Commented on 2013-04-11 18:49:56 EST

"They are not a customer friendly company every time I hear one of their commercials I see red. My son was backing out of a tight space and scratched the car next to them the other persons insurance company gave them a 1685.00 est Amica upped the est to 2010.00 so it would become a major accident on his record every accident over 2000.00 is considered a major accident. "

Commented on 2013-03-25 07:54:32 EST

"I have been driving cars trucks RV's and more for over 30 years. This company decided that after they failed to follow up on researching my driving record even after I showed them my drivers license's from numerous states that .. and they stated I just got my driving license this year?? I asked them what kind of drugs they where on when they said for liability insurance they demanded 750 dollars a month They are pathetic No tickets/ DUI's no nothing and they expect to keep customers I go out of my way to warn people about these thieves"

Commented on 2013-03-23 14:07:47 EST

"Based on the fact that they have raised my premiums 60% in the last 3 years I can only imagine what would happen if I had to file a claim. I tried to stay with them due to their high ratings but their premiums have gone ballistic. Good bye and good ridance."

Commented on 2013-01-30 09:24:32 EST

"Hail storm damaged roofs in neigborhood more than 20. All had total roof replacement except us including houses on either side about 15 ft. away. Amica denied any damage except some small repairs less than deductable. Stated they would not now pay for any leak damage."

Commented on 2013-01-02 15:11:02 EST

"Amica raises rates unfairly and does not pay claims and treats you as the bad guy. not helpful at all. "

Commented on 2012-12-27 17:06:35 EST

"Did not come through for us after a disaster"

Commented on 2012-11-25 18:12:10 EST

"Extremely dissatisfied with claims service. I told them plainly that the other party was filing a fraudulent claim that there was no damage to his vehicle. They ignored this information blamed me for the accident and raised my premiums 300. However they have among the best ratings so I have to assume the others are even worse."

Commented on 2012-11-07 22:23:27 EST

"Checked rates with other major companies - they could not match Amica without going with small/high risk companies for homeowners. Service to date has been excellent. Have not had a claim yet though.They are very straightforward and offer decent discounts for loyalty."

Commented on 2012-08-28 16:50:13 EST

"Received an OVI and they Hextupled x6 my auto rates for the next three years?I will save 4000 per year by switching to another company which does raise rate but not by that ridiculous amount."

Commented on 2012-08-28 13:25:46 EST

"Customer for over 30 years. Have only ever filed 2 claims one this year for a cracked windshield. Paid the 500 deductible and had it fixed. A few months later I drove through spilled paint on the road. They say I need to pay the deductible again ... Each type of claim carries a deductible. Will be shopping for a new insurance company I am furious"

Commented on 2012-08-14 15:05:03 EST

"Never a claim made always pay on time but had hail damage. Neighbors all around my house got new roofs as you can guess the guy told me it was from three yrs ago. Wow what a half ass company Will switch tomorrow and go with allstate"

Commented on 2012-07-25 21:13:16 EST

"seem to raise premiums without notice and with large increases. Great customer service however recently saw a 16% jump in homeowners policy and no claims. Lady I spoke to tried to brush off as not a large increase then realized her Math was off and would have a supervisor contact me to discuss. Said increases are due to major insurance losses and we all see increases however 16% Seems excessive. They do look offer strong discounts as a new customer than increase premiums on most loyal customers and with great credit and no claims makes no sense...."

Commented on 2012-06-01 04:53:55 EST

"Claims are usually handled quickly. My car was hit last fall by an uninsured motorist revoked license expired registration - whole nine yards. I had my car expertly repaired at their garage at no cost to me except my deductible damages exceeded 5K. When I call the company I always speak with a live person and they are well trained and very polite. Their webiste is very secure and easy to navigate."

Commented on 2012-05-22 06:33:28 EST

"This company looks for any excuse to raise your rate."

Commented on 2012-04-30 08:01:22 EST

"Amica canceled my policy without telling me putting me in danger of getting arrested and paying a large settlement on my own. When I changed addresses my automatic payment plan "declined" my card even though Amica had notice of my address change. I was notified by the DMV that my license was suspended. They acted dumb when I called them. This company employs nice people but their "old fashioned" ways mean you are in incredible danger with this company. BEWARE"

Commented on 2012-04-24 12:23:57 EST

"Bought home with Amica home and property insurance and filed 3 claims due to roof leakage totaling 6000 which it paid except for 1500 in duductibles and then cancelled by Ameica."

Commented on 2012-04-14 13:06:54 EST

"We made one claim concerning a fenderbender accident in a parking lot where both vehicles were backing out at the same time. We have been with Amica for over 12 years and never made a claim before. Our driving records are excellent. They decided against us and raised our insurance rate over 60%. No we are not happy."

Commented on 2012-03-26 17:55:19 EST

"I had two homeowners claims this year. The 1st one they were okay but the 2nd one they were terrible and paid very little. In both cases they never sent a claims adjuster to the house. They would not cover any of the landscaping and they applied my 500 deductible to both claims and four months later they just sent me a letter saying that they overpaid me by 200 according to their auditors. On the auto they charged me a late fee when my bank told me the check was processed a week before it was due. Been with them over 10 years and this is how they treat a loyal customer? Are they cash strapped or something because they seem to be anxiously looking for monies?"

Commented on 2012-01-23 16:53:29 EST

"Insurance rate quotes for home and car may seem high however since AMICA is a mutual insurance they refund between 10-20% of your money every year."

Commented on 2012-01-23 08:34:03 EST

"horrible claims out of the southern california office. they are complete fraudsters. they will delay delay and then make up something out of the blue. they need to be sued to get the point."

Commented on 2012-01-13 18:39:50 EST

"While the premiums are quite high even with the multi-policy discount the customer service is absolutely terrific. My apartment was broken into about two months ago and the claims process was as straightforward as one could hope for. The claims agent who handled my claim was professional and extremely helpful multiple follow-ups answered all my questions made sure I was satisfied throughout the entire process. Highly recommended."

Commented on 2012-01-11 18:53:39 EST

"Be very careful with their pricing and commitments up front. We had a high value policy and they committed to do an assessment after the closing to determine replacement value. I asked for the results for months and then was told it was proprietary and couldnt be shared. I checked with other companies and learned they were over insuring me by over 50. I am switching but wasted a lot of money in the interim. Buyer beware."

Commented on 2012-01-11 15:03:26 EST

"I am vey satisfied with Amica Insurance. Their rates are much lower than other companies I got quotes from. The claim department is excellent.I inquired about other types of policies from Amica and received quotes over the telephone immediately. "

Commented on 2012-01-07 08:31:45 EST

"Moved to IA 35 yrs ago very disappointed AMICA not licensed then in IA - when they were we switeched immediated and even helped with lobbying to get them into state. BEST prices of all quotes - even with 2 young male drivers. Excellent customer service and response - no problems ever - were with them when lived in MA. VERY highly recommend them they live up to their reputation JD Powers awards "

Commented on 2011-12-22 10:30:25 EST

"We have never had a good claims experience with this company. They will do the absolute minimum and find a way out of doing anything but. Claims made by neighbors that were easily covered by their insurance were totally denied by Amica. You are wasting your premiums with this company. Look elsewhere."

Commented on 2011-12-16 22:37:07 EST

"I used to swear by Amica but the past few years have changed. The rates have skyrocketed and the service has tanked. I have asked for quotes for various policies and it takes forever to get the information which makes no sense since it gives them more money. Im paying more and getting less. Im going to start looking elsewhere."

Commented on 2011-12-15 08:36:36 EST

"This company only cares about risk to themselves. They have no interest in the consumer. I would not want to have a major loss and deal with this company."

Commented on 2011-11-25 16:49:31 EST

"A true test of an insurance company is how they treat their customers when they are needed. I have been with this company for over 20 years and filed many claims. They have processed each and every claim to my satisfaction. For me I am more than willing to pay a little more in premium because I know when I need them they will be there."

Commented on 2011-11-17 18:57:43 EST

"They like sucking you in with low rates then each renewal year increasing your rates more and more without cause or reason."

Commented on 2011-10-28 03:18:43 EST

"Im not sure what has happened to Amica. Maybe im having bad streak but their premiums seem to keep going up by an amount inversely proportional to their adjusters customer service and claim handling experience. Using their preferred vendors is like watching them write blank checks with no explantion or check on the work necessity. Exceptionally shady and not good for your policy premium. What they pay out...you will pay back in premiums. Do not do it and if you do make sure you stipulate no work to be done unless authorized. Theyd rather throw money at a problem than deal with it in a logical manner.I have been with them for 25 years. In the past 3 years my rates have gone through the roof and what was special about the company as far as being a premium service is gone."

Commented on 2011-10-27 16:33:56 EST

"I have file no claims for auto or home. I have a stellar credit rating. I have one vehicle that only I drive. I have no tickets and no accidents. Despite this last year they raised my auto insurance over 200.00. So I cut coverage to get in near what I was paying before. Now they want to up my premium almost 300.00 for auto insurance. I havent gotten my renewal for my home yet but I expect that will also go up because that happened last year. It seems like bait and switch. They gave me a good rate the first year and then jacked up the price following that. "

Commented on 2011-10-26 09:51:21 EST

"My premium has escalated every year often dramatically ostensibly based on the rising cost of rebuilding in my area but it turns out that their estimated cost was not based on sound data. I discovered this only when I obtained a much lower estimate from a competitor which triggered Amica to send an inspector and recalculate their estimate. The lesson learned is you need to question their estimated cost of rebuilding frequently at least every 5 years and shop around among competitors. Loyalty does not pay."

Commented on 2011-10-18 10:10:56 EST

"Excellent serviceand price."

Commented on 2011-10-16 21:18:37 EST

"Same as other insurance companiesalways start out lower and raise rates every year"

Commented on 2011-09-19 07:01:17 EST

"Fabulous company. Great service. Ive had a half dozen claims over the years - for homeowners car and life insurance. All were paid promptly. And when I was at fault in an accident they were terrific to the person whose car I hit."

Commented on 2011-09-09 13:51:15 EST

"Rep was rude and hostile on the phone when I called with questions about coverage. "

Commented on 2011-09-06 12:04:51 EST

"We have replacement insurance and when we finished replacing our roof after the recent tornados Amica covered the total replacement cost with no question even though it exceeded the adjusters initial estimate."

Commented on 2011-09-03 20:17:30 EST

"After auto accident in which my car was totaled by an uninsured driver I was able to reach a representative right away and was very pleased with the help I was given in the process of replacing my car."

Commented on 2011-06-20 07:58:21 EST

"tried to low ball me on car replacement. They sided with toyota instead of their customer."

Commented on 2011-06-14 19:58:15 EST

"Amica has a policy of prolonging a claim. They procrastate and have terrible customer service. You might want to rethink about getting a policy with them. Just Awful."

Commented on 2011-06-01 10:15:31 EST

"Very rude, took for ever to even show up to look at my home. They then low balled the claim to the point I had to pay extra to fix what was supposed to be covered. "

Commented on 2011-05-02 10:39:33 EST

"Compare all the provisions with previous policy before renewing"

Commented on 2011-04-03 18:22:46 EST

"Amica did not follow up on my auto accident report to my satisfaction. I have been advised to settle at an 80% return, suggesting that I was partially to blame for being rear- ended . I have raised many questions about the detail of the accident and have not had these details looked into."

Commented on 2011-04-03 07:32:50 EST

"been a customer for over 25 yrs without ever filing a homeowners claim. our home was broken into and approx 40,000 in valuables were stolen. I am hearing from Amica is that basically nothing is covered - everthing needs to be on separate scheduled ryder. What a scam! Beware of this company. Our insurance claim nightmare is just beginning."

Commented on 2011-01-28 19:13:45 EST

"Excellent Rep"

Commented on 2011-01-09 17:46:20 EST

"had a chip on my front windshield, called them up, fixed within 3 days"

Commented on 2010-12-21 14:03:19 EST

"Amica informed me they will be raising my auto insurance premium 23%,no claims,no tickets. When I asked why I was told because of the increase in Colorado claims."

Commented on 2010-12-14 16:26:22 EST

"AMICA is the best ever! Service unsurpassed; there when needed with very fair settlements. This is my insurance company for life!"

Commented on 2010-12-08 14:44:48 EST

"Amica is more expensive than other companies, but I get superior service. I am not afraid that the company will take some action against melike not renew my policyif I file a claim. Three generations of my family have been clients of Amica."

Commented on 2010-12-01 11:20:49 EST

"Extremely hard to go through the sign-up process...in terms of completing paperwork, online links not working, not a cohesive process for spouses. "

Commented on 2010-11-18 09:51:30 EST

"Got a problem, they get you a check...done."

Commented on 2010-11-09 19:23:23 EST

"have to have a decent credit rating"

Commented on 2010-11-05 14:17:13 EST

"Customer service is great & they are great with claims."

Commented on 2010-10-28 15:02:04 EST

"Insured with Amica since 12/04 (7 Years)for Home, Auto & Umbrella. First claim this year for crack in windshield glass. Auto renewal policy now includes charge for glass replacement which used to be included without charge. And, Homeowners (no claims ever) increased 32%($707). Notwithstanding this Recession and no inflation (in building materials or labor, in fact deflation), they have increased the replacement value of my home over 28% in 6 years. I think all the insurance companies play the same game. One needs to switch companies every couple of years to get the teaser rate."

Commented on 2010-10-27 18:19:43 EST

"Amica just called me (oct 26, 2010) to tell me that homeowners policies (in Massachusetts only?) are going up 21.3% Mine will go up to $661 from $545. THIS IS UNACCEPTABLE. I have never filed a claim with them in 30+ years. I also have my auto insurance with them. THIS IS NO WAY TO TREAT A LOYAL CUSTOMER. I am furious and will shop around."

Commented on 2010-10-27 07:42:25 EST

"Were really priced reasonable. After 3 years and $60-70 a year rate increase. Not so reasonable."

Commented on 2010-09-02 08:42:55 EST

"Their claim investigator told me over the phone when she would call me back, but she never did. I always had to make a call to follow-up with her. Then, when she decided to deny my claim, she sent me a letter and, from that point on, I could never reach her by phone. Horrible company! Would never elect to do business with them."

Commented on 2010-08-27 04:31:21 EST

"Two claims in 10yrs and both were settled within two weeks!"

Commented on 2010-08-26 18:33:48 EST

"I have been extremely satisfied with AMICA, their rates seem very good and the service is quick & curteous."

Commented on 2010-08-12 13:32:25 EST

"Raised rate 40% after 1 small claim.
They locked me out if internet access to my account because they could not figure out why I could not gain access."

Commented on 2010-08-04 13:38:31 EST

"Claims reps seem to represent interest of the insurance industry not the clients they represent."

Commented on 2010-07-28 07:08:27 EST

"Had a pipe freeze & flood my studio this winter. Amica was extremely helpful and efficient in processing my claim, and sending the settlement checks. No problems at all with them, and they made an unpleasant situation go very smoothly."

Commented on 2010-07-14 12:33:42 EST

"This company never returns phone calls they sent me a letter to call them I have call left messages and never get a return call. I will never use them."

Commented on 2010-07-13 08:54:13 EST

"One of the best service ever.
These guys actually helped us make sure when we move homes that the insurance is continous and does not break AND cover moving insruance automatically.
Their claims service is top notch."

Commented on 2010-07-08 15:10:29 EST

"Been with Amica many years and have never had a complaint..they have handled claims fast with few questions and just a minor rate increase after a bad accident out of state. I am very happy with them."

Commented on 2010-06-24 19:21:01 EST

"Have had Amica for 39 years. They are very selective and claims service amazingly fast."

"When we applied for an Amica auto insurance policy, we provide all the requested driver and vehicle information to the agent and were assured of a start date for our coverage. We spent several hours locating, scanning and E-mail all the additional information that the agent asked for so that we could qualify for all available discounts. We were repeatedly assured by the agent that there were no additional hurdles to obtaining a policy and that coverage for our family would start at the first of the month. We made plans accordingly. A couple of days later, we received a terse E-mail stating that our application had been denied by underwriting because one of our kids had received 3 speeding tickets over a 3 year period. We had informed Amica of these tickets when we applied for the policy. No other explanation was provided and no apology was forthcoming. We currently have coverage through another insurance company that seems to have a clue about customer service."

Commented on 2010-04-21 11:13:22 EST

"Amica states on their website that they will settel an automobile claim in 1-2 days. That has not been my experience at all. They took 4 days just to look at the vehicle, then another 2 weeks to come up with an offer. Then another 3 days to get us the check. What a difference fromt he glossy website."

Commented on 2010-04-16 12:00:44 EST

"AMICA has been the auto and homeowner insurance for our family since 1967. There have been a few claims. All were handled promptly and fair. We had a major water leak last year with $125,000 damages. AMICA was great in handling the claim."

Commented on 2010-03-11 09:14:10 EST

"one auto claim, two homeowners claims, all were settled fairly and efficiently. "

Commented on 2010-03-06 10:07:40 EST

"Easy to contact.
Local agents.
Equitable service.
Friendly people."

Commented on 2010-02-23 11:16:08 EST

"A $129 increase seems excessive."

Commented on 2010-02-22 19:37:27 EST

"AMICA is very expensive and when I joined (early 90s) you had to be invited by an existing member. It was highly rated. Even during my retirment I stayed with the company despite how difficult it was to have such an expensive policy. I never filed a claim but thought I would be treated fairly if such an need arrived. It did -- very poor treatment. They covered nothing, took their time in returning my calls and were very slow in following-up the verbal denial in writing. All these years I thought I had a relationship that involved me "insuring" their support during a crisis -- all they thought of me was a policy -- quick claim denial."

Commented on 2010-02-20 14:56:12 EST

"I had alot of damage from hurricane Ike as did most of the houses on my street. I was one of the first to get money to begin repairs and the amount was very fair for the work that needed to be done"

Commented on 2010-02-16 09:15:37 EST

""Suckered" in with good rates the first year.
When my renewal came in the mail my auto insurance had gone up over $400.00. Agent said they were approved for a 9% rate increase. (where was my state corperation commission). Those good ratings must be an inside job. Not happy with this company. I have auto,home,boat and othe policies, going to cancel them all."

Commented on 2010-02-15 12:22:21 EST

"They suck"

Commented on 2010-02-13 15:09:58 EST

"No claims, customer for 6 years, rates go up, no matter what. The raised my dwelling premiums a couple times and forced my deductible to be higher to offset the higher premiums. Fine and good, but they never asked me if I wanted a higher deductible. Overstated the dwelling value by 25%.
By bye Amicas"

Commented on 2010-02-04 17:28:25 EST

"The claim dept is very good but the rates are sky high. They keep changing rates for no reason claiming that they have new rate cycle. Would not recommend because every year it is same headache. And also if u have one accident they ruin your insurance rating. Not recommended"

Commented on 2010-01-29 11:13:11 EST

"unbelievable service. I have had my policy for three months, had an accident(my fault) they covered the repair of my car, rental car, and towing expense, without any problems. Fast and courteous service. The best insurance I have ever had. A senior citizen "

Commented on 2010-01-25 17:10:03 EST

"After being with the company over four (4) plus years, had 2 claims, which the company asserted one was considered 2 claims. Terrible experience with Amica and they ruined my "insurance rating"!!!"

Commented on 2010-01-21 15:35:43 EST

"Their handling of my claim back in 2007 was extremely efficient. The whole process only took 3 weeks. I had my car back as good as new!"

Commented on 2010-01-12 12:27:16 EST

"Extremely helpful in filing a claim. I was hit by an uninsured motorist and they took care of everything quickly and efficiently."

Commented on 2010-01-08 14:29:14 EST

"The insurance angent handling my claim was totally inept and her supervisor was no better. My upstairs neighbor had a faulty toilet that flooded my bathroom and Amica made me pay my deductible and was not able to get anything from the neighbor. The agent literally told me that the neighbor was mean to her on the phone and she was not able to even find out who their insurance carrier was. Pathetic."

Commented on 2009-12-31 09:09:14 EST

"Lousy insurance company, better off getting insurance from any other company."

Commented on 2009-12-24 11:08:47 EST

"Amica $700 per month
State Farm $187 per month
Same coverage. Better service."

Commented on 2009-12-16 13:36:17 EST

"soulless mean incompitent bastards"

Commented on 2009-12-15 14:34:55 EST

"they dropped my policy after I filed my 1st claim with them. "

Commented on 2009-12-07 08:20:19 EST

"Very prompt and friendly customer service. Saved $300 a year over Progressive."

Commented on 2009-12-03 15:33:21 EST

"I live in Phoenix, AZ. I bought policies for my car and my home. This company happily took my money. I have never had a claim, nor an accident (in over 30 years of driving). My rates were continually increased for both. Because I went through a divorce. (I assume?). I called and it was deaf ears on the other end of the phone. Very expensive company and the hype does not match the reality. Customer service people were rude and not did not have any answers about the products. I have since moved to USAA - a real company and a godsend. "

Commented on 2009-11-30 20:59:18 EST

"Excellent company, but terrible billing customer service."

Commented on 2009-11-28 17:57:02 EST

"service was bad."

Commented on 2009-11-20 07:33:00 EST

"Home Owners - $ 6,000 in ice storm damage and food loss. Adjuster came out very quickly was very responsive and I had checks within days of filing claim. Their premiums are somewhat higher, but you pay for what you get..... Great service..."

Commented on 2009-11-12 18:00:48 EST

"Their customer service is great! Amica has come to me with options to help save money without sacrificing coverage. "

Commented on 2009-11-05 14:19:31 EST

"38% increase in home owner premium after 1st year. Trying to find out why. We have not filed any claims and have excellent credit. Our home is less than 1 yr old and valued at approx. 420K."

Commented on 2009-11-04 10:42:21 EST

"First of all they cancelled my policy over $ 3.75 fee that they said i owed whenn i paid my policy when i had auto payments i fought with them and they additted it was there mistake I had to file a claim when my truck caught on fire and it took them 6 weeks to settle it took 4 weeks just for them to send an adjuster to look at my truck then he messed up and it took another week to get him back to look at the truck my i carry full coverage on my cars and get the extra coverage for towing and rental and low and behold my policy changed without my knowing and tried to use the sub. transportaion and that was not there once again they addmited it was there fault that it was dropped but they wouldnt reimburse me for the 6 weeks of the rental pay attention to your policy with amica they told me all my problems happened when there system crashed and all i got was we are sorry our system failed but we wont help you about the changes that happened to your policy."

Commented on 2009-10-20 19:43:49 EST

"Friendly, helpful, professional and fair"

Commented on 2009-10-12 22:16:31 EST

"Our claims were handled quickly and professionally. The claims associates were very friendly and listened when we told them our situation. The claims adjustor sent to us was punctual, friendly, and did a thorough job with his inspection. The inspection report was available to the claims department by the next business day. The computer access allowed us to follow the claims process on line. They are not the least expensive insurance company around but they do pay out legitimate claims in a timely manner"

Commented on 2009-10-07 09:16:17 EST

"I have been a customer for over 30+ years"

Commented on 2009-09-30 14:22:30 EST

"Excellent customer service."

Commented on 2009-09-30 11:51:45 EST

"auto accident police report states other party was at fault ,car should have been totaled.almost 4 months later car is still in repair shop,very unhappy customer."

Commented on 2009-09-28 18:34:26 EST

"best insurance company ever. they send your money so promptly. after a claim in made."

Commented on 2009-09-04 16:14:08 EST

"We had a serious hail storm that damaged our roof and one car. They promptly wrote the claim for a reasonable amount with no attempts to lowball.
My other car got broken into 4 months later, I had the same great experience, and they are still willing to renew my coverage. I figured I was headed for insurance purgatory after 3 claims in my first year."

Commented on 2009-08-11 14:22:48 EST

"Been with them for years. Very fast and fair in paying my auto claim. My brother also has auto insurance with them and has a similar experience.
"

Commented on 2009-08-03 09:09:50 EST

"We had Amica insurance. Never again.
We were driving on I-290 and were hit by a tire that fell off a large tractor-trailer truck.
Essentially, Amica blamed my husband for the accident. He has a meticulous driving record, and he certainly was not charged in the accident by the police. The tire came rolling and bouncing down the highway. He maneuvered incredibly well, but we were hit in the front of our vehicle.
We ended up having to pay much more for car repair than we should have.
We advise everyone against doing business with Amica. Their policies are unfair to the consumer."

Commented on 2009-07-31 14:35:59 EST

"They only will provide excellent service to get you in. Once you are in with them, you will never receive the right services from them anymore, not even be able to get in touch with them!"

Commented on 2009-07-27 15:20:47 EST

"Have had Amica auto coverage for 38 years. Have had Amica home and life insurance for almost as long. Service has always been outstanding and rates are competitive. I have had to file a couple of auto claims for the kids fender benders (one turned into a total even though it was a minor crash) and I was very impressed with how they were handled. I was unable to get home coverage in LA but was able to insure my current home in TX."

Commented on 2009-07-24 07:02:45 EST

"Filed homeowners claim and used the contractor that Amica highly recommended..Has been a disaster."

Commented on 2009-07-23 04:38:24 EST

"After 23 years with the company they dropped me to a state mandatory limit of coverage - $5K. They stated it was because I had too many claims and moving violations. I have five cars costing over $7K/yr. Although I had a clean record for about 20 years the prior three years there were 3 minor fender benders (Amica paid no more than $1K out of their pocket) and 3 moving violations. This seems like a lot but two were in a parking lot and one was low speed impact in rotary. Right after they dropped my coverage my wife was in an accident. Because of the low coverage it cost me $8.5 K out of pocket. AFter 23 years of paying thousands of dollars and a very clean record for the majority of the time they dropped my coverage and left me vulnerable. I would never recommend this company to anyone!!!"

Commented on 2009-05-24 15:45:43 EST

"as a former Rhode Island resident with about 40 years of auto insurance with this company, I can only say good things about them. I do not like it however that after 30 plus years of homeowners insurance I have to take my business elsewhere because I live in Florida"

Commented on 2009-05-23 17:52:12 EST

"Parallel parking I touched the car behind very lightly. A women jumped out claiming I had scratched her bumper. I am two passengers in my car examined her bumper and found nothing but she made a claim against Amica. Amica informed me that it would pay her $600. That amount would have raised my rate $500 a year. I brow beat my agent into calling my witnesses and lowering the pay out to some $300, which wouldn't raise my rate. Still it was a fraudulent claim. The agent admitted that contesting a claim, even if fraudulent, took too much time. I finally did prevail, but feel put upon and annoyed."

Commented on 2009-05-13 11:04:51 EST

"Extremely prompt service with equitable claims payments. "

Commented on 2009-04-14 07:16:28 EST

"First I was told that my homeowner's policy would not cover an accident in my home. After I said I would contact an attorney, I got a call back early the next morning telling me that I was covered. Rates are much higher than other companies."

Commented on 2009-03-27 09:27:44 EST

"I have been with AMICA for 39 years and when I filed a claim they sent an adjustor who war rude and abrasive. I ordered him off of my roof because of his lack of professionalism and when he got back to the office he accused my roofer of lifting tabs. I was out with the roofer the whole time and never saw anything of the kind. The adjuster was just angry to have been called off of the roof. Service is not a priority at AMICA anymore,, guess I havent been a member long enough."

Commented on 2009-03-25 10:33:46 EST

"the "front office" is very helpful. When dealing with the "back office" when I made a claim, things didn't go well. They didn't communicate at all, were overly eager to settle when I wasn't at fault, and took a good deal of proding to stand up for my claim. It's been over 8 months and I sitll have no resolution."

Commented on 2009-03-20 15:30:37 EST

"Had 3 claims on our homeowners insurance in 2 years due to hail damage and extensive wood rot due to unflashed patio door (10k combined for all). Just received notice of non-renewal due to the claim. Never had other issues with the company until now. Used their contractor all times. Hail damage was 7 days after bought the house. Am going to switch car insurance as well if someone will take us. Got to love it - it is legalized loan sharking. They want their $$ but when you ask to cover damages, you get dropped."

Commented on 2009-03-19 17:15:25 EST

"Auto insurance canceled because they misapplied my payment - some to my mother's amica policy, some to my other amica policy. After I made 20% payment, they reinstated, told me they would take care of RMV so my plates were not revoked. Came home from vacation last night to find a letter from the RMV notifying me that my plates would be canceled effective today. Called Amica immediately - was told not to worry - I could drive the car. So I drove the car to work - only to recieve a call from Amica today telling me the plates HAD been revoked. I have spent the whole day on the phone with them trying to resolve this. They keep telling me I am all set, yet I have yet to recieve written confirmation. I will NEVER renew a policy with them. (None of this even touches on the fact that I don't think there website has been updated since 1991. It's truly awful - since I live in the same state as my parents' and we both have policies with Amica, it does not seem that we can both use the website.)"

Commented on 2009-03-12 13:29:40 EST

"While this compmany has been in business for over 100 years, I don't suspect that it will stay another 30. They continue to move away from local offices that know their customers to customer service centers that are based on life referrals and bugging you to buy and spend more and more. If you get a Representative that knows what they are doing, they still have to send it to whatever state you live in to fix anything. I think that knowing your customer is much more productive for the customer then a company wanting to make so much money that knowing the customer does not matter any more. "

Commented on 2009-03-03 10:32:50 EST

"I love Amica! I am treated very well"

Commented on 2009-03-01 22:34:27 EST

"When I asked about home owners insurance they told me that they will not insure homes with guns. All homes should have guns and they should be out of business."

Commented on 2009-02-23 20:41:48 EST

"I live in Tampa Florida and have home and hurricane and flood insurance through Amica. They are a very conservative company but the best. They also have re-insurance in case they have too many claims in a year. Though my house value has increased every year since it was built in 2001 my yearly insurance bill went down by $70 this year. A Great Company!!!!"

Commented on 2009-02-19 16:19:01 EST

"May not be the cheapest but you get a fair value for your dollar. I have been with them almost 40 years."

Commented on 2009-02-16 13:55:07 EST

"mu husband was in a accident with a professional con artist.He ran into this woman at 7 mph because she abruptly stopped at a driveway intead of at the corner 30 ft beyond the driveway. Amica paid a claim of 5500. More than 1/2 was for a car rental. we questioned them and they had no answers for us re: this hight rental car fee they paid out. Then months later she claimed injury. at the time of the accident she jumped out of the car and yelled at my husband. We learned that she never went to a doctor for nearly 6 months and she was in a 2nd accident 2 wks after my husbands unfortunate incident with her. Amica paid out an extraordinary amount on this claim as well. When asked why they said there was little evidence for paying the claim but it was a nuisance and they preferred to pay it. AS GOOD CUSTOMERS WE FELT LET DOWN. They paid on illegitimate claims to make there jobs easier and so they could raise our rates. We thought they would be our advocate they were not. "

Commented on 2009-02-05 15:02:01 EST

"With 2 auto accidents I received instant, compassionate, thoughtful emotional support with virtuallly overnight payment and was blown away by what superb service and quick
renumeration happened. One case was complex and a long time to settle, but they kept me apprised throughout months of action."

Commented on 2009-01-27 15:47:25 EST

"I was given 3 different responses by 3 different claims reviewers. Also, I was told that the situation was covered by Underwriting. The claims office gave me misinformation on 4 occasions and then also had the date of the occurrence wrong. When I ask for an interpretation of their own policies, I was put on hold 6 times because the person did not know what it mean and how to interpret several provisions. AWFUL SERVICE!"

Commented on 2009-01-22 11:59:27 EST

"Been with this company over 15 years. Recently had my car broken in to. Company does not want me to deal with the auto repair shop I've used for many years. Trying to steer me to other repair shops. Definitely will not renew my policy. Only one or two minor claims over the years.Very disappointed. "

Commented on 2009-01-20 06:56:22 EST

"They raised our rates right after I inquired about making a claim. Even though nothing was paid out. Then, this year, they raised our rates 40% because our credit rating dipped slightly."

Commented on 2009-01-19 18:13:00 EST

"Company raises rates without previous claims over time. I have seen complaints about this on other review sites. They bait you in with low premium but increase it significantly annually. Bait and switch! Beware"

Commented on 2009-01-19 09:52:13 EST

"I have been with AMICA for over 30 years. I do not believe I would ever leave them. Just recently, my daughter's car was broken into (windshield broken). AMICA had the windshield repaired before the police arrived at the home - that says a lot for both AMICA and the police! I have had both homeowners and auto claims - no hassle and always with great speed to resolution."

Commented on 2009-01-12 12:25:57 EST

"Never had a claim with any insurance company. I shopped around and Amica had the strongest reputation for service and they were definitely inexpensive for us. We pay our bills on time, excellent credit, and perfect driving records. I realize that this isn't the case for everyone, so I suggest doing your own homework.
Only complaint is that they ALWAYS try to cross-sell life insurance...and I have had cancer twice, so don't qualify. I have to say that they're persistant."

Commented on 2009-01-09 16:24:23 EST

"based my quote and rate on inaccurate information that was not mine but belonged to other people not living with me and who have never lived at my address yet because they had negative information it was used against me to INCREASE MY RATE and despite numerous attempts to get rate to reflect accurate information (in writing sent certified mail, email and numerous phone calls where I was given the run around and talked down to by both local and corparte offices) AMICA refused to update my account."

Commented on 2009-01-07 16:45:30 EST

"My windshield cracked earlier this year and we used one of their contract windshield replacement shops to keep overall costs down. Recently we found out that the replacement windshield leaked and caused some damage. The rep at Amica 'owned' the problem and ensured that a new windshield was installed and the damage to our fan motor, etc. was taken care of. Absolutely top notch people!!! I've been with them over 20 years and would never leave."

Commented on 2009-01-01 17:22:24 EST

"I am in the middle of an auto claim and have found the process and the outcome to completely awful. A couple of years ago I filed home claims and they were wonderful.
The auto claim has been like pulling teeth to get the adjuster to communicate clearly and to approve repairs that will leave my vehicle in similar condition to what it was before the wreck.
The staff at Amica did not explain how much different ***and worse*** the auto claims process would be vs. a home claim. I asked for a supervisor and was told there were none available.
I have reconciled myself to Amica leaving me with a poorly repaired vehicle that I will have to sell as soon as I can get it to a different mechanic who can do additional repairs to make it driveable and sellable. I'll try USAA or someone else. I have loved Amica for years but for years I haven't filed an auto claim. This sucked."

Commented on 2008-12-28 20:49:06 EST

"My wife and I have had auto insurance with AMICA for over 15 years, hence, tons of money paid. When cars were new and had collision insurance AMICA paid, however for minor accidents where the car is not totaled($6,000 or less)AMICA pays the bill but then surcharges you an exorbitant amount for a long time. They basically recoup every penny they paid you through surcharges so you are basically paying for the damage yourself. What is the point of carrying auto insurance if you basically pay the bill yourself anyway?!!!"

Commented on 2008-12-06 06:23:47 EST

"They were not very helpful in filing or resolving my claim. I ended up calling the other company myself and resolved the issues."

Commented on 2008-12-03 12:24:03 EST

"Beware....I am furious with AMICA insurance company. I would NOT recommend this company to anyone!! We have been a customer of theirs for over 15 years (home owners insurance). We have NEVER filed a claim..NEVER!! Last year my policy went up 33.00 a yr. I accepted that. I wrote it off to inflation. This year it went up 234.00 that's unacceptable!!"

Commented on 2008-11-28 16:26:49 EST

"Well I have been with this company for a long time - over 10 years. I had 2 car accidents in that time - one I was not at fault and AMICA did very little to get me the value of my car that was totaled. The second time I got repairs to my vehicle. My main dissatisfaction comes when I tried to bundle my car and home insurance. I spent 3 weeks! trying to get AMICA to confirm and in the end they said they dont insure duplexes - now I am screwed with my closing date - definately going to drop my car insurance by them and make sure everyone knows they are slow and don't really care about their customers"

Commented on 2008-11-26 11:46:46 EST

"Best to select a dividend policy."

Commented on 2008-11-24 12:38:05 EST

"My experience with claims service involving two accidents has been very satisfactory. Their follow-up has been exemplary. From my experience, I can recommend them as a customer oriented insurer."

Commented on 2008-11-22 07:00:39 EST

"We've had two claims since we've being using Amica. One was an auto claim that was handled fairly and efficiently.
The second involved Hurricane Ike and while it was diffficult to get an adjuster because of the large volume of claims so far we are very satisfied."

Commented on 2008-11-08 15:50:46 EST

"Amica has a wonderful rating mainly because they only sell to 'O" risk drivers meaning that if you have moving violations on your driving record they will not risk taking you on as a customers. This is smart business however it really makes the truth on their rating suspect. For the perfect driver...Amica is your company...however know that they will drop you the second you become a normal driver. "

Commented on 2008-10-29 14:05:40 EST

"Both claims - one home, one auto and both relatively minor - were settled in no time at all and covered more or less the full cost of my loss."

Commented on 2008-10-21 10:43:15 EST

"i have always had great service with amica."

Commented on 2008-09-27 09:54:25 EST

"Two auto claims- one a woman ran a red light and hit the side of our car, and the second a deer hit us head on. Both times- in one year- the claims were handled exceedingly well and very promptly; nice people too."

Commented on 2008-09-26 13:42:55 EST

"As a LONG_TIME customer of Amica, I have seen the best and more recently the worst of them. Overall, we have had great customer service and on the few rare occasions when we had a claim, they were more than fair and very prompt in settling the claim. Recently, their desire to grow has led to more impersonal service and big increases in rates even though we have had no claims in over 15 years. I NEVER would have thought of shopping our coverage until this year when my exchange of letters with senior management confirmed (for me) they are no longer the company I have loved for over 30 years. They state they have to get bigger to be competitive but in the process are at high risk of destroying what made them great - careful underwriting and great client service. I will be very sad to leave but I am resigned to the fact that they are well on the way to becoming just another big insurance company. "

Commented on 2008-09-22 19:39:27 EST

"I have been with Amica for 12 years. They always were the best. They have changed tremendously in the past 2 years, for the worse! I will not stay with them."

Commented on 2008-09-06 13:10:12 EST

"Always been very Satisfied.
"

Commented on 2008-09-02 13:03:13 EST

"Amica is very thorough in assuring that you have the correct coverage. I've always found them to be informative, not just advocates of more products.
It's easy to reach them on the phone.
Web interactivity is good too. I don't have to deal with paper, but once a year."

Commented on 2008-08-22 07:53:03 EST

"Cheap isnt always the best. I switched to amica because of their "good" rates and they were highly reccomended.
I was hit by an under insured motorist in early july! It was well over a month before my car was repaired, which is fine, considering the damage. But when amica agrees to send payment within 24 hours of completion and doesn't.. then who's the liar? (read the pamplet it clearly states it)
When you call the claims office to find out whats going on, you are sent in the black hole of voice mail. i left several messeges for the person i was to be speaking with and never once recieved a phone call back. finally talked with some random person who couldnt tell me anything because that's not their department... i had been given the run around for 5 weeks and nothing had been settled yet.--- and my car was REPAIRED!!!
If Customer satisfaction is what got them the highest ranking with J D Powers, what a croc.
"

Commented on 2008-08-19 08:18:01 EST

"Amica is great!! I've had two claims since I've been with them. One was my fault, the other was not, but the other driver was not insured. Both claims were handled quickly. No problems what so ever with either one."

Commented on 2008-08-12 11:46:11 EST

"They refused to process my claim after giving me the wrong information regarding my policy. The told me had collision when I didn't have it. On other occasions, they didn't return numerous calls to them."

Commented on 2008-07-31 12:10:38 EST

"I've insured both home and autos with AMICA for 40+ years. I've had to file claims on both policies. During this entire time, they have been fast to respond, processed claims extremely fairly, as inexpensive as one can find for excellent service, and very friendly and helpful. They are one of the best companies I've ever encountered."

Commented on 2008-07-23 08:41:51 EST

"Changed recently from renters to home owner and they were very easy to deal with appreciated the fact that I had renters with them for several years and no claims; gave me a very competitive quote. Since I have never had a claim I cannot comment on that aspect, which really is key."

Commented on 2008-07-14 09:21:41 EST

"Amica violated The Law by not telling me how much they were charging extra as a premium
for a claim with another company.They were cited by The Colorado Insurance Commissioner
for not revealing their $ amounts. When they did they were way over what they originally
quoted to me. I will see these people in court.
They cannot be trusted as a Company. Their ethic is take all we can get without a word!"

Commented on 2008-07-13 22:51:37 EST

"I made a big mistake staying with military-affiliated insurance for homeowners. AMICA is far superior...the cost is greater, but the price is worth it. "

Commented on 2008-06-23 08:20:40 EST

"We are the subject of an open claim, which at present is entering it's seventh month.
Mostly, the local office is not helpful in solving problems and offering information and assistance.
It's riddled with stupidity and corruption too.
1. The Branch Manager, serving as our Adjustor, directly ordered a Vendor to sand a pre-finished floor that resulted in it's receiving a seven inch by five inch gash down to the plywood. The Vendor had 25 years of experience, and KNEW that our floor would be damaged...his defense was that he was "ordered to" sand the floor to repair it. This information was revealed by a local office employee, IN FRONT OF WITNESSES !
2. The first adjustor or record was a trainee, who in the course of their work, falsified documentary photographic evidence of our initial claim.
This same adjustor had NO evidence of our Claim, at all, as a part of our claim file !
3. The same branch manager, above, admitted to me that a Vendor did work on his mother's home. Alone this is innocent, but when the same Vendor destroyed our kitchen floor, it takes on sinister tones...at least to me, when the office staff is hypnotized by the Vendor, into taking their side in the resulting dispute.
4. During a time when we lost use of our kitchen and basement where our clothing washer/dryer was, the adjustor didnt care to tell us that we were eligible for Loss of Use coverage, to cover meals and cleaning costs. We had to go to the home office to find that out, and the home office emailed the adjustor to tell us.
YES, overall they have a good policy but our local office is a NIGHTMARE, full of, seemingly, malicious non-helpful people.
JD Powers would Croak if they heard the details of our "experience".
"

Commented on 2008-06-21 05:20:56 EST

"your on line payment system is horrible. You cannot access it. This can cause pmts to be late. "

Commented on 2008-06-13 15:43:08 EST

"We've been with AMICA for over twenty years and have found their service to be exceptional. However, their premiums have increased over the years to the point where other alternatives look much better.
Hate to leave them, but Liberty Mutual, here we come..."

Commented on 2008-06-12 06:33:51 EST

"Seems expensive - especially car insurance for teenaged drivers."

Commented on 2008-06-02 13:13:16 EST

"Excellent service. Reasonable rates."

Commented on 2008-05-09 17:44:51 EST

"The inspectors take 7-10 days to appear. That is ridiculous. Then the claim is grossly underestimated. We have been without a vehicle for up to 5 weeks. There is contention each step of the way. We have been hit while parked, no moving accidents, no one hurt. I can only imagine what a claim for personal injury would be like with Amica. "

Commented on 2008-04-21 13:57:30 EST

"I started the policy in 2000. At that time, I was under the age of 25 and my premiums were very high despite my excellent driving record. Amica gave me the lowest price for my age and so they earned my business. Nearly ten years later, I am still with them. I've had one claim due to vandalism while visiting friends out of town. It was handled exceptionally quickly and repairs were done by the best, not the cheapest. Amica is tops in my book! I only wish they offered health insurance..."

Commented on 2008-04-18 07:39:53 EST

"Amica is for sure one of the more expensive companies out there. I have only had to use them once in 30 years and there was no issue. No rate increase. They seem to be pleasant over the phone as well.
I wish they insured motorcycles and boats but they usually tell you to go to Progressive."

Commented on 2008-04-16 11:15:53 EST

"I've been told that if I buy a trampoline for my kids, Amica will cancel or not renew my policy. That seems unreasonable to me, and I don't like saying no to my kids, especially when the trampoline will be in use for only a few years. Isn't home owners insurance there to back up our lives, not control them?"

Commented on 2008-04-15 18:26:00 EST

"We had hail damage to our roof (but no leaks) a few years ago. We didn't notice the damage, but our carpenter did several months after the event. We notified AMICA, they sent out a claims agent right away, and promptly sent us a check to cover the repair. The check amount was actually more than the repair cost, but when I contacted AMICA to inform them of this, I was told that it didn't matter, and we pocketed the difference. A great company. I've compared other policies, and AMICA has consistently provided us a very good rate. When I've received lower quotes, they've been from companies with poor customer satisfaction, according to this site."

Commented on 2008-04-15 18:20:02 EST

"you get what you pay for!!"

Commented on 2008-04-13 08:00:10 EST

"we didnt know what to do, but with the friendly claims people,we made it thur. we will always stay with amica."

Commented on 2008-04-11 13:31:03 EST

"We never had a claim, only paid the premium and our rates went up 41% from 2007 to 2008."

Commented on 2008-04-02 10:06:16 EST

"As a trial laywer, I sue insurance companies for bad faith as a major part of my law practice. I have been with Amica for over twenty-five years. If all insurance companies ran like Amica, I'd have to sell my plane."

Commented on 2008-03-18 08:59:40 EST

"Have been an auto insurance most of the last 20 years since the rates have been on the lower end of the scale (RI, CT, and CA). I've relied on them less for home insurance."

Commented on 2008-01-21 18:41:07 EST

"Upon selling me a policy, my sales rep moved away and nobody contacted me to let me know. I only found out six months later when I called the 800 number with a policy question. Also, one month the check for my payment was not received. Nobody called me; Amica simply cancelled all my policies and sent me ONE letter in the mail to let me know (I was reinstated, but drove without insurance for several weeks). Amica's coverage for personal property, such as jewelry, is very low ($1500, and this is their "premium" policy). Prepare to pay through the nose to have everything you own scheduled separately...what is the point of this insurance, since their exclusions include so many items average people are likely to own (cameras, artwork, jewelry)?"

Commented on 2008-01-15 13:48:04 EST

"I got into an accident and my car was claimed a total loss. It's been a month and my claim has not been settled. I've called my claims adjuster and she ignores my calls and has left me hanging. It's frustating to have recieved such poor customer service."

Commented on 2008-01-06 14:30:47 EST

"I recently suffered two spinal injuries in an auto accident where I needed to have two separate spinal surgeries with titanium plates implanted. I have nerve damage in my left leg leaving me permanently disabled. I put an under-insured claim in with Amica, my own insurance company. They hired a "high-priced" insurance attorney because I had a million dollar insurance coverage. Due to my large insurance coverage, my own insurance company, Amica, fought me tooth and nail until they finally won the claim. I ended up only receiving 5% of my total coverage for all of my pain, suffering, surgeries, and permanent disabilities. They also refused to pay my lost wages which were included in my insurance claim. I have been paying my premiums all along but when it comes to collecting from Amica, they will fight it until their own client loses his suit. I am very dissatisfied with Amica as they did not even stand by their own client trying to settle the case fairly. If I could do things over again, I would NEVER have chosen Amica as MY insurance company. They collected and cashed all of my premium checks but refused to offer me any compensation when it came to settling my legitimate claim. I hope that everyone who reads this will think twice before signing up with Amica. I only wish that someone else warned me that I am not in "good hands with Amica." "

Commented on 2007-12-28 16:53:51 EST

"Have insured with AMICA for over 25 years, have found them unfailingly helpful in (mercifully rare) instances when I have had to file claims, pleasant to deal with when I have had questions, efficient when I needed to transfer coverage from NC to MA and to change some types of policies to reflect changing needs/situation. "

Commented on 2007-12-03 09:56:36 EST

"I HAD A CAR ACCIDENT WHERE BOTH PARTIES WHERE FOUND AT FAULT AND AMICA SAID I HAD FULL COVERAGE BUT THEY ARE A BUNCH OF LIERS COZ THEY MADE ME PAY OUT OF POCKET FOR 20% OF THE DAMAGES ON TOP OF MY DEDUCTIBLE I WILL NEVER RENEW MY POLICY WITH THEM THEY ARE GARBAGE AND THEIR REPS ARE RUDE "

Commented on 2007-11-20 12:43:13 EST

"I've had my auto and homeowners with Amica for 10 plus years. I always get a friendly, knowledgeable person on the phone who seems genuinely interested in helping me (both with filing a claim and making a change to my policy). When talking with friends, they always seem to have some horror story on their insurance company. I never have anything but great things to say about Amica. "

Commented on 2007-10-14 19:49:56 EST

"After being told that i would not be charged a premium surcharge for filing a claim on my home owners insurance, AMICA charged me anyway. I was told the laws had changed in MA and even though my claim was several years ago, they can and did charge me retroactively, even though they told me they wouldn't at the time of the claim (I asked specifically about this). The surcharge will cost me thousands of $ more than the actual claim paid out."

Commented on 2007-10-05 13:38:17 EST

"POINT BLANK. BEST INSURANCE COMPANY THAT I HAVE COME ACROSS. GREAT CUSTOMER SERVICE. GREAT RATES. COULD NOT ASK FOR MORE."

Commented on 2007-09-28 16:56:26 EST

"They increased my rate once i filed a claim. Also they increased the rate very much because Katrina and I live in the North."

Commented on 2007-09-26 12:59:37 EST

"Absolutely second to none customer service. One rep said, "We do not want to be the biggest, just the best" and that, they are! "

Commented on 2007-09-16 16:14:16 EST

"Amica is somewhat difficult to deal with- can't understand why they're at the top of the JD Power ratings..they ask seemingly a thousand questions when starting coverage, price is competitive, but not lowest, & they want to over-insure houses (over-value the structure, undervalue the lot)..I'm looking elsewhere now..though much they're higher on my list than allstate, liberty mutual or farmers."

Commented on 2007-09-10 10:43:07 EST

"i receivied more help from the other's driver's insurance company, The one i filed the claim againest"

Commented on 2007-08-28 14:08:22 EST

"My only gripe is that Amica takes its jolly good time in processing premium payments. Even when my bank does an overnight payment it takes Amica four days to credit my account. Don't they know we are in the 21st century?"

Commented on 2007-08-15 08:26:09 EST

"A deer ran into the car. Premiums went up."

Commented on 2007-08-08 09:49:13 EST

"Amica has been a great insurer. I have had no problems with them, whatsoever and appreciate the professional handling of my inquiries and my claims. I am just sorry that my son cannot remain on their policies due to his driving record (before even 18)..but that is understandable."

Commented on 2007-08-07 23:15:26 EST

"The agents are very helpfull and its being a pleasure to be a Amica customer.I am very satisfied with the preminum which they have offered me for my car insurance."

Commented on 2007-05-31 11:23:13 EST

"Extremely prompt claim settlement. Agents have been great customer advocates --- asked questions to be sure I was getting full coverage for my claim."